Get up to $4,000

Get an idea of the cash you may be eligible for, based on your loan value


If you borrow You could qualify for a cash incentive of
$100,000 $700
$200,000 $1,400
$300,000 $2,100
$400,000 $2,800
$500,000 $3,500
$600,000 $4,000
$700,000 $4,000


Start the home
loan process


Get in touch

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Existing customer



What happens next

  • We'll be in touch for more information

    We’ll give you a call or email to chat through your enquiry. If you're wanting to take out a new home loan, we’ll have some initial questions to ask you so we can begin to understand your individual situation. These questions may cover:

    • How many people are borrowing

    • What your income is

    • What savings you have

    • If you have any other loans or debt

    • If you have any dependents

    Once we have all the details and believe we can assist you with a home loan, we’ll set up a time to meet with you. You can meet us in-branch, our Mobile Mortgage Manager can visit you wherever suits, or if you’re not nearby we can complete everything over the phone and/or email.

  • Complete application

    Next, we'll ask you to complete an application form. If you’re keen to get a head start on the process now, below is the additional information you’ll need to provide in order for us to assess your loan application:

    Proof of identity

    • Photo Identification, such as a Driver’s License or Passport
    • Copy of a utilities bill or rates notice no older than three months (with individual or both names) or a bank statement no older than 12 months, to confirm your physical address

    Evidence of your income
    (if your wages aren't deposited directly into a TSB account)

    • Three months of bank statements and your three most recent pay slips, or;
    • If you're self employed, updated financial statements for the last two years

    Existing outgoings

    • Three months of statements for any non-TSB accounts, credit cards, hire purchases, personal loan or home loan facilities and any other Short Term Commitment(s)
  • Get pre-approval

    As soon as we have all the information and signed forms, we’ll submit your application for pre-approval. This process will take up to two business days.

    A pre-approval gives you confirmation that you’re approved up to a certain sum of money, based on certain conditions. We’ll determine what you can borrow based on all the information you provide.

    Please note: Our home loan applications are assessed on an individual basis, so some may take longer than two days to go through approval. We’ll keep you informed every step along the way so you know what to expect.




Your digital branch

Visit your digital branch to join TSB online, open an account or book a video call with a lending specialist. It's a new way of banking, making it easier to manage your money, chat to us and open accounts — from anywhere in NZ.




woman on laptop using TSB Virtual Bank




  • Don't forget to read this bit

    1. Until 11 October 2020, a cash incentive of up to 0.70% of the total loan amount, up to a maximum of $4,000 could be available. We’ll also match any nationally advertised fixed home loan rate from ASB, ANZ, BNZ or Westpac for the same term and conditions, subject to the borrower meeting TSB’s lending suitability and affordability criteria.
    2. The offer only applies to the purchase, refinance from another bank or building of residential owner-occupied properties with an LVR under 80% and residential investment properties with an LVR under 70%. Additional margins may apply for bridging loans and buyers with less than 20% deposit. Cash incentive is only for new home lending, excluding top up and redraws. Minimum loan amount of $100,000 applies. Penalties apply for loans refinanced to another lender within 48 months of drawdown. If refinancing happens within the first 24 months, then 100% of the value of the incentive will be repayable to the Bank. If refinancing takes place between 25-48 months, then 50% of the value of the incentive is repayable.
    3. A minimum deposit of 20% is required for home loan special interest rates and residential loans. Residential loans with less than a 20% deposit are subject to availability of funds. If the bank accepts a loan application that falls outside normal lending criteria, a risk-based premium of up to 2% may be applied. A fixed loan prepayment fee may apply on fixed rate loans. All interest rates are subject to change without notification. Different lending criteria applies for residential investment, business, commercial and rural loans. Standard lending terms and conditions apply. 
    4. Loans must be contracted during the campaign period and drawn down within 60 days of contracting. TSB’s standard lending criteria, terms and conditions and fees apply. Inclusion of loans with special conditions attached is at TSB’s sole discretion. Direct credit of wages or salary is required. All interest rates and offers can be changed or withdrawn at any time without notice. You’ll find a Disclosure Statement here.
    5. TSB has taken out the 2020 Consumer NZ People’s Choice Award for banking – winning the award for the fifth year in a row. Read media release.